I thank them for the advice. Advice that they chose to give (which I might add, in two instances came with offers of help that costs $99-$120).

[And thank you very much Ruben for your message].

I do generally understand permissions. But the instructions are not clear and the wording is open to interpretation - it could certainly be more laid out more clearly.

And I have not insulted anyone - show me where you think I have done such a thing. The tone of your comments are more 'insulting' than anything I wrote. Luckily I'm not a 7 year old kid in the school playground, and so I can take it.